Call reports 2009
GRAND RIVER BANK — 2009
What GRAND RIVER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|
| Total assets | 15,852,000 | 23,774,000 | 29,782,000 |
| Total loans | 287,000 | 5,760,000 | 13,768,000 |
| Allowance for loan losses | 3,000 | 58,000 | 134,000 |
| Securities available for sale | 999,000 | 1,000,000 | 2,487,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 3,178,000 | 11,610,000 | 18,064,000 |
| Interest-bearing deposits | 2,713,000 | 8,929,000 | 13,185,000 |
| Noninterest-bearing deposits | 465,000 | 2,681,000 | 4,879,000 |
| Equity capital | 12,516,000 | 12,047,000 | 11,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|
| Interest income | 8,000 | 65,000 | 213,000 |
| Interest expense | 3,000 | 24,000 | 66,000 |
| Net interest income | 5,000 | 41,000 | 147,000 |
| Noninterest income | 0 | 2,000 | 16,000 |
| Noninterest expense | 335,000 | 787,000 | 1,282,000 |
| Provision for loan losses | 3,000 | 58,000 | 134,000 |
| Pretax income | -333,000 | -802,000 | -1,253,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -333,000 | -802,000 | -1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|
| Tier 1 capital | 12,516,000 | 12,047,000 | 11,596,000 |
| Total capital | 12,519,000 | 12,105,000 | 11,730,000 |
| Risk-weighted assets | 5,395,000 | 7,288,000 | 14,852,000 |
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